Free Guide to Paying Less for Lyons Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are many people just like you.

Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Just because you had the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because we're going to demonstrate the proper way to lower your rates without sacrificing coverage.

How much can you save with discounts?

Companies that sell car insurance don't list every available discount very clearly, so we took the time to find both the well known as well as the least known car insurance savings.

  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Discount - Being a homeowner may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
  • Resident Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

Keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

Lyons car insurance quote

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads say the same thing that you can save if you switch to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be charged more money which usually ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can claim big savings. That is why you should get quotes from several different companies. You cannot predict which car insurance company will give you the biggest savings.

Additional detailed information can be found at the Indiana Department of Insurance website. Visitors are able to read consumer alerts, report car insurance fraud, file complaints about a company, and get help finding coverage.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Affordable car insurance is available both online and also from your neighborhood Lyons agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We just presented a lot of tips how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest priced car insurance comes from the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like .